Safe Banking Practices

 

Privacy and Security is important to First National Bank.  We want to help you get an understanding of identity theft, online security and how to stay safe.  Please take a look at the 3 brochure links and the tips listed below. 

 

 

 Cyber Security Brochure for Customers              Cyber Security Brochure for Businesses                     Safe Online Banking Brochure

   

 

10 Online and Mobile Security Tips:

As more people bank and shop online, proper internet security is more important than ever. Safeguarding your information can be as simple as consistently reviewing your bank accounts and reporting any suspicious activity. But there are a number of other things you can do to stay safer online. Here are ten tips to help protect you and your money.

 

1. Be careful about what ( and where ) you click

Look for security - enables website addresses that start with "https" (the extra "s" indicates security).  These sites take extra measures to help secure your information.  This is particularly important if you're making purchases using your credit card. 

2. Be mindful of the numbers you use

Don't use any part of your Social Security number (or any other sensitive information, such as credit card numbers or birthdays) as a password, user ID or personal identification (PIN).  If someone gains access to this information, it may be among the first things used to try to get into your account. 

3. Look out for strange emails

Don't respond to emails that claim to be from your bank (or any other company) requesting your account details. First National Bank will not ask for personal information using this approach.  

 4. Beware of email attachments

It's never a good idea to click on email attachments or free software from unknown sources.  You could end up exposing your computer (and the information on it) to online fraud and theft.  Keep in mind that links you receive in emails or in messages on social media can be harmful or fraudulent, even if they appear to come from friends. 

5. Don't keep sensitive information on your phone

Sensitive information includes your bank account numbers, identification information, passwords and other personal details such as answers to your security questions.  If you bank via our mobile app, don't worry.  FNB won't expose your account information or passwords. 

6. Secure your smartphone

Many mobile devices give you the option of locking your screen, which helps keep data stored on them secure.  Depending on your phone, this can come in the form of a pass code, a pattern you draw on your phone's touch screen or even your fingerprint. 

7. Think before you download apps

It's a good idea to review the privacy policy and understand what personal data an app can access before you download.  It's best to purchase or download apps from authorized stores. 

8. Keep your technology up to date

Make sure to update your computer's operating system, your internet browser and the software on your mobile devices.  Updates generally include the latest security patches.  Be sure to also use antivirus and anti-spyware software.

 9. Watch how much you share online

The more you post about yourself on social media, the easier it might be for someone to use that information to access your accounts, steal your identity and more.  

10. Use strong password

The longer you use a password, the less secure it becomes.  That's why security experts suggest that you change your passwords at least twice a year to protect your accounts.  If you use public computers a lot, you should update your passwords more frequently. 

 

How to create a strong password:

Creating a strong password can seem like an afterthought when you sign up for new accounts online. But with the prevalence of identity fraud—there’s a victim every two seconds, so  taking the time to generate a strong password is more important than ever. Here are five tips to get you started.

 

1. Change your passwords regularly

The longer you use a password, the less secure it becomes. That’s why security experts suggest that you change your passwords at least once a year to protect your accounts. Depending on your risk level, you may need to change them every 90 days. For example, if you use public computers a lot, you should update your passwords more frequently than if you only use a home computer.

2. Go for length

When creating a strong password, length matters. Try to make sure it’s at least eight to 12 characters. Complexity also helps. A six-character, lowercase password takes five minutes to break; one with nine characters takes two months. A six-character password with numbers and symbols takes less than nine days to break; one with nine characters takes nearly 20,000 years.

3. Be unique

Every year security services provider SplashData releases the most common (and therefore the worst) passwords in use. And every year “123456” and “password” are at the top of the list. Don’t use those passwords—and don’t use common dictionary words or consecutive numbers when creating your password. Passwords with simple patterns, such as “1234” or “qwerty,” or with obvious substitutions, such as “H0u$e,” are easy to guess.

 4. Follow these guidelines

*  Do not use your Social Security number, phone number, birth date, first and last name or user ID when creating your password.

*  Use a different password for every site. A strong password has to be unique, not just a variation of passwords you use on other sites.

*  Avoid storing your passwords in unencrypted files, like the notes app on your phone. Instead, write them down and store them in a safe place.

5. Make it memorable

A strong password should be based on something you can remember but that would be difficult for a hacker to guess. Stay away from well-known phrases, quotes or song lyrics. Start with a sentence such as “I live for boating!” and transform it to “ILv4Btng!” Or string a series of random words together to create a strong password like this: “wizardboWLingchicKeN.”